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Errors and omissions insurance
Coverage for honest mistakes
Negligence or alleged negligence
Errors and omission coverage can cover the legal costs and any payouts that may arise if a client claims you made a mistake or provided poor or unsatisfactory service due to a lack of proper care.
Poor performance or results
If a client experiences a financial loss based on your advice or forecasts, they could sue you to recover the loss. Errors and omission insurance can help cover any damages and legal costs.
Employees representing your business
Your E&O insurance can extend to cover claims stemming from the errors or negligence of employees or independent contractors you hire.
Legal defense costs
Even if you’ve done nothing wrong, a client could still sue you. Your business E&O insurance could help cover the legal costs to defend yourself.
How Much Does Errors & Omissions Insurance Cost?
Get a quote for your small business.
Frequently asked questions
Do I need errors and omissions insurance?
We recommend errors and omissions insurance for just about any small business that provides professional services or advice. It also can cover errors that result in unsatisfactory finished work. In some cases, clients may require that you have insurance before hiring you.
What does errors and omissions insurance cover?
Typically covered:
- Mistakes or alleged mistakes
- Legal defense costs
- Omissions or alleged omissions
- Claims and damages
Typically not covered:
- Intentional mistakes and omissions
- Property damage
- Medical expenses
- Bodily injury
Why work with Simply Business?
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
What determines the cost of errors and omissions insurance?
The cost of errors and omissions coverage depends on a variety of factors, such as the type of work you do, your professional experience, and the amount of coverage you choose.
Some other factors can include where your small business is located and your claims history.
We can help find errors and omissions insurance quotes for your business.
Highly rated carriers. Handpicked for small businesses.
*Displayed price is an estimate based on the 10th percentile of Professional Liability policies sold by Simply Business between January – June 2025, divided evenly across a 12 month policy term. Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.